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Or speak with a licensed agent at 1-800-378-7262.

indiana car insurance

Hey there, Indiana residents. We know you're probably not a pro driver in the Indy 500, but that doesn't mean driving can't be awesome in the Hoosier State. It helps knowing you're getting affordable car insurance rates, 24/7 claims service, and simple policy management with Esurance.

We embrace innovative online technology that makes the car insurance process hassle-free and easier to understand. Get a personalized Indiana car insurance quote and gain instant access to our interactive tool, Express Lane®, which does some of the research for you so that you can get the most accurate quote possible. Whether you live in Indianapolis or Bloomington, all Esurance tools and tech are designed to save Indiana residents time and money — not to mention help make smart decisions with coverage.

 "Best of Service"

"The customer staff are very caring. They answer questions promptly and have helped in all my inquiries."

— Linda K.

 "Great coverage!"

"Beat all other pricing while not making me sacrifice my personalized coverage."

— Douglas F.

See more Esurance reviews.

indiana car insurance discounts from esurance

Hoosier State drivers are on the fast track for savings with our wide array of available auto insurance discounts, including:

Discounts may vary. If you're a current policyholder with questions about your discounts, call us at 1-800-ESURANCE (1-800-378-7262).

our renters plus® discount in indiana**

Add renters insurance to your Esurance car insurance policy and not only will you be protecting your stuff, but you could score savings too.

car insurance coverages in indiana

Required coverages

Drivers in the Hoosier State are required to carry the following minimum liability coverages and limits:

  • $25,000 in bodily injury liability coverage per person
  • $50,000 in bodily injury liability coverage per incident
  • $10,000 in property damage liability coverage per incident

You'll often see these minimum limits expressed as 25/50/10, and you can choose higher limits when you customize and buy your policy.

All Indiana policies also include uninsured motorist liability coverage, with the same limits as your bodily injury liability, and underinsured motorist bodily injury coverage with a minimum limit of $50,000 per incident. These protections can help you avoid heavy bills if you're hit by a driver whose insurance limits are insufficient.

When you buy your policy, you can reject uninsured/underinsured motorist coverage in writing.

Optional coverages

Adding these additional protections to your Indiana policy will help give you extra security and peace of mind in the event of a claim:

  • Comprehensive
  • Collision
  • Rental reimbursement
  • Emergency Roadside Service
  • Customized parts and equipment
  • Loan/lease gap
  • Medical payments

When you get your quick online quote, Esurance's CoverageMyWay® prioritizes coverage options based on the info you provide, empowering you to make smart choices.

insurance facts for indiana drivers

Uninsured drivers in Indiana

The Insurance Research Council estimated that 14.2 percent of Indiana drivers were uninsured in 2012, which was above the national average of 12.6 percent.

Uninsured and underinsured liability coverages offer financial protection against drivers without enough insurance (or any at all) if they cause an accident resulting in injury to you and your passengers or damage your vehicle.

Driving without auto insurance

If you're caught driving without insurance in Indiana, your license will be suspended for at least 90 days. Two or more of these license suspensions within a 3-year period will mean an additional one-year suspension.

Digital proof of insurance laws in the Hoosier State

It can be hard to keep track of all those paper ID cards your insurance company sends you. That's why Esurance makes it super convenient to access your digital proof of insurance and other policy documents 24/7 in our user-friendly mobile app.

Alternative insurance options

If you're having a hard time finding affordable car insurance, the Indiana Auto Insurance Plan may be an option. All licensed insurance companies in Indiana are required to take a certain percentage of drivers who are unable to find coverage through typical channels.

A licensed Indiana car insurance agent can help you apply to the program.

determining your indiana car insurance rate

Car insurance companies (including us) may take some of the following factors into account when determining your premium:

car repair shops in indiana

Indiana customers can take their cars to Esurance-approved repair shops throughout the state. Our E-star® program features RepairView® which lets customers track their car's progress online and guarantees repairs for as long as they own their cars.

Find an E-star shop near you.

Your guide to animal-related accidents
Read more about how to avoid hitting an animal, what to do if you accidentally do, and how insurance can help.

The Esurance Coverage Counselor®
Spend a few minutes to get personalized Indiana policy recommendations from our online counselor.

Wonder if you could be saving on car insurance?

Get your free quote online.

Or call 1-800-378-7262.

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